7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Cheapest recent rates near Huntsville, Texas
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $66/mo for full coverage in Huntsville and other Texas cities.
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on April 18, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on April 18, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Huntsville drivers pay $170 per month for car insurance, a little bit less than the overall state average of $184 per month. Liability-only coverage costs an average of $106 in Huntsville, while full coverage averages $234 per month.
The Rocket City’s relatively small population of about 47,000 and low auto theft rate may partly contribute to its affordable car insurance. But if you want to lower your rates even more, you have ways to do so. Here’s what you need to know about finding cheap car insurance in Huntsville, Texas.
Quick Facts
Texas insurers can consider your credit history when determining your premiums.
Huntsville teens pay an average of $290 per month for car insurance.
Texas is an at-fault state for car insurance, which means the insurer of the at-fault driver is responsible for paying damages in an accident.
Find Cheap Car Insurance in Huntsville, Texas
Rates start as low as $106 for liability coverage
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Best car insurance companies in Huntsville
Car insurance companies look at several factors to determine your premium, including your age, ZIP code, driving record, and vehicle type. Insurers may offer different rates for the same coverage, so it’s crucial to compare car insurance companies before buying a policy.
You can jump-start your search by checking out some of the top insurance companies offering cheap rates in Huntsville, Texas.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$36/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$59/mo
State Farm offers Huntsville drivers some of the cheapest rates. When combined with plenty of discount opportunities and affordable coverage, this insurer is a good choice for drivers on a budget. A high customer satisfaction rating makes State Farm an even more attractive option.
Pros
Above-average J.D. Power customer satisfaction rating in Texas
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$64/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$105/mo
USAA offers a range of financial products to military members, veterans, and their families. In addition to auto insurance, you can find home insurance, life insurance, renters insurance, and banking services. With a high customer satisfaction rating and AM Best financial strength rating of A++ (Superior), USAA is an excellent choice if you qualify for coverage.
Pros
Highly rated mobile app
Safe drivers can save up to 30% through the SafePilot program
Cons
Only available to veterans, military members, and their families
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo
GEICO is one of the largest insurers in the country, offering a wide range of coverages. It has affordable rates, a variety of discounts, and an accident forgiveness program. It also has an excellent financial strength rating of A++ (Superior) from AM Best.
Pros
Many available discounts
Offers accident forgiveness
Cons
Below-average J.D. Power customer satisfaction rating in Texas
I need cheaper coverage. It's too much for two cars.
Eminny - April 17, 2024
Verified
Inconsistent Communication and Service
This is my second time with GEICO. The first time was fine, but this time around, they set my policy to be cancelled on a Monday. They claimed to have sent me a letter the previous Friday requesting documents that I never received. I called them multiple times about it, and each time I received a different reason and excuse. Despite sending them everything they needed, my policy remains cancelled. Without insurance, my car just sits there, and since it's financed, I might even end up losing it. I'm just waiting for them to review my documents and reactivate my policy. They said they would reach out to me if they needed anything else or to at least let me know the verdict, which they never did. I have to keep calling them myself, only to receive different excuses each time and no policy reactivation. They never reach out when they say they will, and other insurance options are very expensive for me as a fairly new driver.
Andy - April 15, 2024
Verified
Unexpected Rate Increase
I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.
…
Cheapest liability-only car insurance in Huntsville
You must have liability car insurance to drive legally in Texas.[1] With this minimum coverage, your insurance company will help you pay for another party’s medical expenses and vehicle repairs after an at-fault accident.
As the most bare-bones option, it’s usually the cheapest type of insurance. Huntsville drivers pay an average monthly rate of $106 for liability-only car insurance. Here are some of the best quotes for liability coverage in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
36
GEICO
39
Hugo
49
Mile Auto
49
Allstate
50
USAA
64
Safeco
74
Nationwide
84
Mercury
87
Midvale Home & Auto
90
Progressive
90
Dairyland
96
Clearcover
98
Chubb
108
National General
112
Liberty Mutual
115
Elephant
117
Commonwealth Casualty
121
Direct Auto
123
21st Century
125
The General
136
GAINSCO
138
Bristol West
151
State Auto
162
AssuranceAmerica
168
Infinity
175
Foremost
200
Hallmark
211
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Huntsville
Full-coverage car insurance adds comprehensive and collision coverages to your policy, along with your minimum liability insurance. If you collide with another car or object, collision coverage will help you repair or replace your vehicle. Comprehensive coverage pays for damage from non-collision events, like weather, theft, and vandalism.
If you have an auto loan, the lender may require you to carry this type of insurance. But the robust coverage might be a good option for you, even if you’ve already paid off your vehicle. Vehicle damages can add up very quickly, leaving your pocket hurting.
On average, full coverage costs Huntsville drivers $2,804 per year. Below are some of the cheapest options for full-coverage auto insurance in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
59
GEICO
65
Allstate
83
Mile Auto
98
USAA
105
Clearcover
129
Hugo
133
Mercury
138
Travelers
148
Nationwide
151
Progressive
159
Midvale Home & Auto
160
Safeco
160
Chubb
179
Elephant
191
21st Century
207
AssuranceAmerica
218
Liberty Mutual
237
Direct Auto
242
Dairyland
243
National General
247
Infinity
267
The General
274
Bristol West
285
State Auto
297
GAINSCO
298
Commonwealth Casualty
310
Foremost
401
Hallmark
418
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Texas
The Lone Star State requires drivers to carry a minimum amount of insurance to legally operate a vehicle.[1] In this at-fault state, you’ll need insurance that at least meets the following requirements:
Coverage
Minimum Requirements
Bodily injury liability
$30,000 per person / $60,000 per accident
Property damage liability
$25,000
In Texas, all insurers must include a minimum of $2,500 in personal injury protection per person per accident in all auto policies.[2] This coverage helps with your medical expenses if you’re injured in an accident, as well as a percentage of lost wages and other associated costs. If you want to refuse this coverage, you must do so by writing to your insurer.[1]
Liability-only coverage is a bare minimum option. If you want more financial protection, consider the following coverages:
Collision coverage
Collision coverage pays for repairs to your vehicle after a collision with a vehicle or another object, like a tree or telephone pole.
Comprehensive coverage
Comprehensive coverage pays to repair or replace your vehicle after damage from a non-collision incident, like severe weather or vandalism.
Cheapest car insurance for drivers with an incident
Huntsville drivers with a clean record tend to pay less for insurance than drivers with incidents on their driving record. Speeding tickets, at-fault accidents, and driving under the influence (DUI) can all negatively affect your car insurance costs. Insurance companies tend to think of drivers with a checkered past as a higher risk to insure, which leads to higher premiums.
Find Car Insurance in Huntsville, TX
Rates start at $44 for drivers with incidents on their records
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Cheapest car insurance for drivers with a speeding ticket
Insurance companies tend to charge higher premiums for drivers with a speeding ticket. How much your rates will increase depends on how fast you’re going and how many speeding tickets you already have on your record.[3]
Huntsville drivers with a speeding ticket face an average monthly cost of $151 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
75
45
GEICO
83
50
Allstate
106
64
USAA
135
82
Mile Auto
139
70
Clearcover
178
136
Hugo
188
69
Nationwide
196
109
Mercury
204
129
Progressive
212
120
Safeco
223
103
Chubb
233
141
Elephant
247
151
21st Century
277
167
AssuranceAmerica
298
230
National General
319
145
Direct Auto
320
163
Dairyland
322
127
Liberty Mutual
327
159
Infinity
353
231
The General
365
181
Bristol West
373
197
GAINSCO
373
173
Commonwealth Casualty
387
151
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Cleaning up after an at-fault accident is often complicated and expensive. Beyond the initial costs, an at-fault accident usually leads to higher insurance premiums because it indicates you may be a risky driver.[3]
In Huntsville, drivers with at-fault accidents pay an average of $257 per month for auto insurance. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
80
49
GEICO
89
54
Allstate
114
69
USAA
144
88
Mile Auto
150
75
Hugo
183
67
Clearcover
209
159
Nationwide
209
116
Mercury
216
136
Progressive
226
128
Safeco
239
110
Chubb
247
149
Elephant
265
162
21st Century
293
177
AssuranceAmerica
311
240
Dairyland
340
134
Direct Auto
343
174
National General
345
156
Liberty Mutual
348
169
Infinity
352
230
The General
389
193
Bristol West
391
207
GAINSCO
402
186
Commonwealth Casualty
429
167
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Driving under the influence (DUI) was a contributing factor in a significant number of fatal crashes in Texas in 2021.[4] The high stakes of this risky behavior often lead insurance companies to charge higher rates for drivers with a DUI on their driving record. Some insurers may even refuse to provide you coverage after a DUI.
The overall average monthly cost of car insurance with a DUI in Huntsville is $291 — significantly higher than the average for a driver with a clean record. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
96
59
GEICO
106
64
Allstate
135
82
Mile Auto
166
83
USAA
171
104
Hugo
200
74
Clearcover
210
160
Mercury
231
146
Nationwide
246
137
Progressive
259
147
Safeco
261
121
Chubb
292
176
Elephant
311
191
21st Century
337
204
AssuranceAmerica
355
274
Liberty Mutual
386
187
Direct Auto
395
201
Dairyland
396
157
National General
403
183
Infinity
435
285
The General
447
222
Commonwealth Casualty
454
177
Bristol West
465
246
GAINSCO
486
225
Foremost
654
326
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Senior drivers in Huntsville often start to see their car insurance costs rise around age 75. Insurers see senior drivers as riskier than most other age groups and charge them higher rates to make up for the increased risk.
Huntsville seniors can find liability rates as low as $26 per month. Below are the average monthly car insurance quotes for seniors in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
30
19
GEICO
36
22
Allstate
48
29
Mile Auto
56
28
USAA
61
37
Progressive
72
41
Nationwide
75
42
Chubb
86
52
Mercury
88
55
Clearcover
105
80
Safeco
109
50
21st Century
111
67
Elephant
111
68
AssuranceAmerica
115
88
Direct Auto
136
69
Liberty Mutual
140
68
Dairyland
149
59
National General
160
72
Bristol West
169
90
The General
175
87
Commonwealth Casualty
202
79
GAINSCO
202
94
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teen drivers’ lack of experience behind the wheel tends to translate into higher car insurance premiums. But teen drivers can still find savings by shopping around, seeking good student discounts, driving a safe vehicle, and sticking with their parents’ insurance policy.[5]
On average, teen drivers in Huntsville pay $181 per month for liability-only coverage. Below are the average insurance quotes for teens in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
99
60
GEICO
100
60
Allstate
143
86
USAA
170
104
Mile Auto
186
93
Clearcover
226
172
Hugo
236
87
Mercury
248
157
Nationwide
253
141
Progressive
280
159
Safeco
280
130
Elephant
310
190
Chubb
325
196
21st Century
339
205
Dairyland
386
153
Liberty Mutual
392
190
AssuranceAmerica
412
317
The General
429
213
Direct Auto
433
220
Infinity
440
288
National General
461
209
Bristol West
464
246
GAINSCO
524
242
Commonwealth Casualty
532
208
Foremost
703
350
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Huntsville
Huntsville drivers must carry a minimum amount of insurance. But that doesn’t mean you have to overpay for this unavoidable expense. Here’s a look at some strategies for locking in the best rates:
Look for discounts. Always look for discount options before finalizing your policy. Most insurance companies offer a variety of discounts, so you likely qualify for one or two.
Shop around. Every insurer looks at your situation differently, providing varying rates. Comparing quotes from different companies can help you find the best rate.
Raise your deductible. A higher deductible usually leads to lower premiums. This might be a good option if you have the money to pay for a higher deductible out of pocket.
Texas allows insurance companies to consider your credit score to determine premiums.[6] Auto insurance companies have determined that drivers with excellent or good credit scores are less likely to file a claim, so these drivers often pay lower rates. In contrast, drivers with poor credit scores tend to pay more for car insurance.
Explore average car insurance costs by credit score below:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Huntsville?
The overall average price of car insurance in Huntsville is $170, slightly less than the state average of $184. However, it’s a bit more expensive than the national average of $139.
Rates vary from city to city within the Lone Star State. For example, Houston drivers pay more than drivers in Huntsville, with an average monthly quote of $242. But Austin, El Paso, and Fort Worth drivers often pay less. It’s important to compare quotes from multiple insurers before buying a policy.
More cities in Texas
Drivers face different car insurance rates based on a range of factors, including location. Drivers generally pay more for insurance in urban areas with more traffic and higher crime rates. In contrast, drivers in rural areas with less congestion tend to pay less.
Compare the average quotes for other cities in Texas below:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Huntsville car insurance FAQs
Finding the right car insurance can be a challenge. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Huntsville.
How much is car insurance in Huntsville, Texas?
Car insurance in Huntsville costs $170 per month, on average. Drivers pay an average of $234 per month for full-coverage car insurance and $106 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.
What are the best car insurance companies in Huntsville?
State Farm is the best car insurance company in Huntsville, with an Insurify Quality (IQ) Score of 4.4 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Huntsville choices include USAA and GEICO.
Which company has the cheapest car insurance rates in Huntsville?
State Farm has the cheapest car insurance in Huntsville, with liability rates averaging $36. You can also find low rates with GEICO and Hugo, which have liability-only rates of $39 and $49, respectively.
What is the minimum car insurance required in Texas?
All drivers in Texas must carry car insurance. You must have at least $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $25,000 per accident in property damage liability insurance.
How much is car insurance per month in Texas?
The overall average cost of car insurance per month in Texas is $184. Drivers pay $119 per month for liability coverage and $250 for full coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.